中银消费金融 2024年度社会责任暨ESG内容披露 点击查看 0 ) 中银消费金融 BOC CONSUMER FINANCE y 中银消费金融持续践行"以人民为中心" 的发展理念，为广大客户提供便捷、专业、 灵活的消费金融服务。在创造商业价值的同 时，积极履行企业公民责任，为社会可持续 发展贡献力量。 TPEN 价值共生拓绿 长效循环融新 绿色发展理念 围绕国家战略部署,将绿色低 碳深度融入公司经营，以金融 活水精准润泽绿色发展,提供 专业、精细、可持续的金融解 决方案，入选"2024企业ESG . . . . . . 年度杰出实践"案例。 FINESC 年度杰出实践 8 8 8 8 8 8 绿色低碳运营 推行绿色办公与资源节约，通过数字化平台与远程 会议减少纸张、电力消耗与公务出行碳排放；布置 节能宣传海报与主题标语，普及"双碳"政策。 9990 公司在采购全流程管理中，优先采购符合国家认证 标准，具备低碳属性、高循环利用价值、可再生/ 有机成分的原材料、产品及服务。 ● 生|有机成分 科技赋能绿色发展 以数字化转型,全面推进金融服务关键环节的线上 化、智能化、无纸化。"大额信贷远程面签"在提 升客户体验的 ...

Core Insights - Consumption is a key driver of economic growth and has seen increasing contributions due to a series of policies aimed at expanding domestic demand during the "14th Five-Year Plan" period [1] - The consumer finance sector has experienced significant growth, with total assets and loan balances reaching 13,848.59 billion yuan and 13,456.03 billion yuan respectively by the end of 2024 [1] Group 1: Industry Growth and Development - As of 2024, consumer finance companies have served 85.43 million county-level customers, addressing the needs of previously underserved groups [2] - The application of emerging technologies such as AI, big data, and blockchain has been pivotal in expanding customer reach and service offerings [2] - Consumer finance companies have filled gaps left by traditional financial services, providing tailored financial solutions to specific demographics like new citizens and young consumers [3] Group 2: Product and Service Innovations - Companies like Mengshang Consumer Finance have launched specialized credit products for new citizens, resulting in the issuance of 65.398 billion yuan in consumer loans by September 2025 [3] - Zhongyin Consumer Finance has focused on high-education and salaried customer segments, issuing 129.681 billion yuan in loans for amounts below 100,000 yuan, marking a 19.61% year-on-year increase [4] Group 3: Regulatory Environment and Compliance - The consumer finance industry has evolved over 15 years, transitioning from rapid expansion to a focus on high-quality development and compliance [5][6] - Regulatory measures have been implemented to enhance transparency and protect consumer rights, including the prohibition of misleading lending practices [7] - The introduction of the "Consumer Finance Company Management Measures" in March 2024 has set higher compliance standards for the industry [7] Group 4: Technological Empowerment - Technology has become a crucial tool for consumer finance companies to enhance compliance and operational efficiency, particularly in risk management and customer service [8] - Companies like Zhaolian Consumer Finance have developed advanced systems for real-time data processing, improving risk management capabilities [8] - The integration of AI in customer service has streamlined processes, enhancing the overall consumer financing experience [8]

Core Viewpoint - The recent policy measures released by the Ministry of Commerce and nine other departments aim to expand service consumption through various financial support initiatives, particularly focusing on enhancing credit support for service consumption sectors [1][2]. Financial Support for Service Consumption - Financial institutions are encouraged to innovate and develop specialized financial products tailored to the characteristics and financing needs of service consumption entities [1][2]. - Zhejiang rural commercial banks have played a crucial role in providing financial support to enhance local consumption ecosystems by optimizing financial services and improving efficiency [2]. Supply-Side Initiatives - Individual businesses have benefited from timely financial support, such as the "Jia Ge Dai" financing product, which has helped them overcome cash flow challenges and maintain inventory during peak seasons [3]. - The establishment of a "government-bank integration" service system has facilitated comprehensive financial services for individual businesses, addressing their unique operational characteristics [3][4]. Innovative Consumer Credit Products - Zhejiang rural commercial banks have launched targeted consumer credit products, such as "Gong Xin Dai" and "Jia Zhuang Dai," to support various consumer needs, resulting in significant loan disbursements [5][6]. - The introduction of online and credit-based products has improved the consumer credit experience, with a focus on quick approvals and enhanced accessibility [6]. Healthy Consumption Environment - The "One-Click Resolution" code card initiative has been implemented to streamline dispute resolution between consumers and merchants, enhancing the overall consumer experience [7][8]. - Banks are committed to protecting consumer rights and promoting financial literacy, aiming to create a sustainable service consumption environment [8].

Core Insights - The core focus of Guangxi's agricultural cooperative institutions is to enhance accessible and convenient inclusive financial services, particularly targeting rural communities and small enterprises [1][2][8] Group 1: Financial Services Expansion - As of June 2025, Guangxi's agricultural cooperative institutions have established 1,916 business outlets, 11,350 convenience service points, 3,240 rural financial service stations, and 5,889 self-service devices [2] - The convenience service points have significantly improved access to basic financial services for rural residents, effectively addressing the "last mile" issue in rural financial services [2] Group 2: Innovative Financial Products - Guangxi's agricultural cooperative institutions have introduced a range of tailored financial products to meet the diverse financing needs of small businesses and individual consumers, including "Xiaomoli Easy Loan" with a quick approval process [6] - As of June, the personal consumption loan balance reached 1,711.56 billion, an increase of 46.46 billion since the beginning of the year, with online consumption loans amounting to 206.42 billion [6] Group 3: Integration with Healthcare Services - The "Smart Medical" platform has been implemented to streamline medical processes, reducing average waiting times for outpatient services by 70% [7] - The platform connects over 600 medical institutions, allowing patients to complete various medical procedures efficiently, integrating financial services with healthcare [7] Group 4: Future Directions - Guangxi's agricultural cooperative institutions plan to continue optimizing financial services and deepen their integration into the "15-minute convenient living circle" to enhance residents' quality of life [8]

Core Viewpoint - Shanxi Qinxian Rural Commercial Bank is committed to serving the agricultural sector and rural revitalization by providing tailored financial services to meet the diverse needs of agricultural entities [1][2]. Group 1: Financial Services and Support - The bank actively engages with local agricultural cooperatives, such as the Nanyuan Pig Farming Cooperative, to understand their financial needs and challenges [1]. - A quick response from the bank led to the disbursement of 300,000 yuan (approximately 43,000 USD) within two days to support the cooperative's operational costs, including purchasing quality feed and vaccines [2]. - The bank has implemented a "ledger-style" management system to streamline loan approval processes and enhance support for the agricultural sector [2]. Group 2: Innovative Financial Products - The bank has introduced specialized loan products like "Agricultural Machinery Loan" and "Grain Easy Loan" with preferential interest rates to reduce financing costs for farmers [2]. - New credit products such as "Jinxiang e-loan," "Code Merchant Loan," and "Salary Loan" have been developed to cater to the specific needs of clients [2][3]. Group 3: Customer Engagement and Relationship Building - The bank has shifted from a passive service model to proactive customer engagement, conducting face-to-face visits to understand client needs better [3]. - A customer visit ledger has been established to track financial needs and prepare for future marketing strategies, aiming to increase customer conversion rates [3]. - The bank's efforts in community engagement have resulted in a continuous growth in customer numbers, enhancing its market presence [3].